I hear it pays out triple when it's caused by beholders.

Could you get a lower premium if you up your armor class?

I'll wear chainmail to work on Monday and let you know ;)

Really, the whole alarming 'dismemberment' bit sounds rather more appropriate for Dungeons and Dragons than my line of work.

Remember, when the insurance industry was young and the name was created, "accidental dismemberment" was a routine occurrence in factories; not quite daily, but if it didn't happen monthly, the factory manager was being too soft on the peasants workers.

I'm sure it's pure coincidence that, a century or so later, Gary Gygax chose the same acronym for Version 2 of D&D. ;)

Nice icon.

I love this entire post and all of the comments.

This makes me happy. :)

Can I expense my hired goons, or claim mileage for my dragon if I'm riding it on official Evil Overlord business

HA!

Where's my resurrection insurance! Who cares about an insurance policy that only pays out when you're dead?